A centuries-old idea, finally given the tools it always deserved.
Long before banks reached every neighbourhood, communities across Africa were already running their own — rotating pots, mutual loan funds, burial societies. Njanghi exists to make those systems easier to run, harder to mismanage, and impossible to lose track of.
Built from the group chat, not the boardroom.
Njanghi started with a simple frustration: a savings group run on a spreadsheet and a WhatsApp thread, where nobody could quite agree on who had paid, who was next for the pot, and how much was actually in the fund.
We didn't want to replace the trust that holds these groups together — we wanted to back it up. Every name, every model, every feature in Njanghi comes from how real Njanghi, stokvel, and chama groups already operate. We just made it visible, automatic, and fair.
Three principles behind every decision we make.
Community first
The group decides the rules — contribution amounts, rotation order, loan terms, claim criteria. Njanghi enforces what the group agrees, nothing more.
Radical transparency
Every contribution, payout, loan, and claim is visible to every member, with a timestamped history nobody can quietly edit.
Built for low data, low friction
Fast on low-end devices, light on data, designed for the realities of mobile money and patchy connectivity — not boardroom Wi-Fi.